Sal Ciubancan
Loan Officer
We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.
Bio:
I have been in the Real Estate-Mortgage industry for over 30 years. I grow up and evolved along with the industry, from its non-digital age to the present expansion of the new technological transformation.
My journey into this new technological era was always accompanied by the desire to explore and expand into the newest boundaries of what was cutting edge at the time.
Today we are pushing new boundaries. The industry has evolved from paper transactions to a new era of digital transformation where data and information are shared fast and efficient and where the information is not held by certain entities.
My quest for transparency and fairness together with my passion for helping others achieve their financial and personal dreams brought me back to focus more on the challenging world of financing and lending.
I wore many hats during my long years of experience from starting as a real estate agent in the early 90’s to becoming a broker-owner of my own company and expanding into residential financing as a mortgage broker.
These experiences brought challenges opportunities and satisfaction to my development as a practitioner in the industry.
I’m dedicated and passionate about the success of my clients and peers.
I’m proud of my past client achievements together with my professional peer’s successes that I have the privilege to assist or collaborate. Their success is my success, which I would like to share with you, whether as a client/client or in a professional collaboration.
Vasile “Sal” Ciubancan
Mortgage Loan Officer
Phone: (510) 938-1378
NMLS#: 2092463
License: CA
Spoken Language: English
Mortgage Rates
Why are our rates so low?
- 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 228 lenders in real-time for you.
- 2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the United States. Because we have closed so many loans, we can negotiate and obtain ridiculously low rates from lenders.
- 3. WE LOWER OUR PROFIT: Our profit per loan is much lower than that of our competitors. We aim to earn your business and your referrals.
OUR ACCOMPLISHMENTS
228+
Number of Lenders
10170+
1678+

Ready to settle your mortgage plan?
We are here to help you with the great deal in the market.
Services We Offer

Home Purchase
Are you a first-time home buyer? Let's make an easy start with us. We will guide you through all the paperwork. All you need to do is to trust us and relax.

Refinance Low Rate
Need to refinance to get a better rate? We will get great deals for your financial plan. As rate is updated in real time from lenders, your refinance plan will just get better.

Refinance Cash Out
A cash-out refinance is one of several ways to turn your home's equity into cash. We will help you with your financial plan.
Rudy provided a great buying experience for me in purchasing a home in Monterey Park, CA. He knew the area well, provided excellent guidance, responded quickly when I had questions, and also help me negotiate a highly competitive house that was hot on the market. Thanks Rudy!
Aileen was a pleasure to work with, she helped us to buy a home which we were waiting for a long time. She goes above and beyond to get things done on time. Very prompt in follow ups, responding to emails and text messages. I strongly recommend Aileen if you are buying a house, you can rely on.
Michael is a professional and a gentleman. He was always on time; always prepared; always willing to go the extra mile. He answered all of our questions and provided details and explanations when we were puzzled. He was never flustered, never in a hurry, and never angry. Michael was a pleasure to work with. We are immensely satisfied with Michael's service.